Mocasa: Pay Later & Quick Loan

Mocasa

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About this app

Get your first Cash Loan or Virtual Mastercard on Mocasa – Hassle-free! Instant approval with transparent pricing.

Mocasa Quick Loan Highlights:
· Loan amount: ₱1,000.00 - ₱50,000.00
· Loan term: 91 days - 365 days
· Maximum APR: 144%
· Third-Party Convenience Fee: Up to ₱20 per transaction (varies by payment channel)

REPRESENTATIVE EXAMPLE OF THE TOTAL COST OF A LOAN:
91-day loan with principal amount of ₱10,000
· Interest (5.500% per month × 3): ₱1,650
· Service Fee (16.5% of principal): ₱1,650
· Total cost retained by Mocasa: ₱3,300
· Total Repayment: ₱13,300
· Monthly Repayment: ₱13,300 ÷ 3 = ₱4,433.33
· Annual Percentage Rate (APR): 132.36%
Note: Convenience fees charged by third-party payment gateway providers are disclosed separately and are not included in the APR.

Mocasa Virtual Mastercard Features:
· Interest-Free Period: Enjoy up to 50 days of interest-free credit, just like a standard credit card.
· Shop Anywhere: Add it as a payment method to any app or website that accepts Mastercard.
· Scan to pay: Pay via QRPh code at stores nationwide.
· Bill Payments: Pay utility bills or buy load/data directly within the Mocasa app.

PRIVACY & PERMISSIONS
· Your privacy is our priority. We will never disclose your personal information to anyone without your permission or sell your data to third parties.
· Before you avail of any loan, we will provide a Disclosure Statement in compliance with the Truth in Lending Act to ensure full transparency—no surprises.
· Study the terms and conditions in the Disclosure Statement before proceeding with any loan transaction.
· Mocasa strictly complies with Google Play policies and does not require access to your Contacts, Call logs, or Photo Gallery.

WHO CAN APPLY?
· 21+ years old
· Filipino citizen
· Have 1 government-issued ID
· Have a stable income

HOW TO APPLY?
· Register: Create an account with an active mobile number.
· Apply: Fill out the simple Online Loan Forms.
· Review: Get evaluated in as fast as 5 minutes.
· Cash Out: Money will be disbursed to your preferred account immediately upon approval.

WHY CHOOSE MOCASA?
· High Limit: Get approved for up to ₱50,000.
· Easy Access: 100% online process with no collateral required.
· Transparent Pricing: All fees and costs are clearly disclosed before you confirm your loan.
· Fast Disbursement: Transfer cash instantly to your GCash, Maya, Lazada wallet, or bank account.

WHO WE ARE
· Corporate Name: Philippines Cashtrout Lending Corporation
· Business Name: Mocasa
· PSEC Registration Number: CS201910407
· Certificate of Authority (CA): 3015
· Office Address: 4/F Kings Court 1 Building, 2129 Chino Roces Ave., Pio del Pilar, Makati City, Metro Manila, Philippines

CONTACT US
We value your feedback! If you have any questions or suggestions, please contact us:
· Email: [e-mail]
· Office Hours: 8:00 AM – 8:00 PM, Monday to Sunday
· Website: www.mocasa.com

Follow us for the latest updates:Facebook/Socials:
@MocasaPayLaterandQuickloanPH
@MocasaCustomerServicePH

Ratings and reviews

"I had a good experience using Mocasa. The application process was quick and easy, and I only needed to submit one valid ID. My loan was approved within minutes, and the money was sent to my bank account without delays. The app is simple to use, and the repayment reminders helped me avoid missing my due date. Overall, it's a reliable option for anyone who needs emergency funds."

I had a good experience using Mocasa. The application process was quick and easy, and I only needed to submit one valid ID. My loan was approved within minutes, and the money was sent to my. bank account without delays. The app is simple to use, and the repayment reminders helped me avoid missing my. due date. Overall, it's a reliable option for anyone who needs emergency funds.

The app does not handle the actual loan but uses other loan apps that have very high interest rates and you can only see the breakdown only when you accept the offer, and you only have 7 days to pay to which you only receive 60% of the loan applied but have to pay almost twice the amount received. DO NOT EVEN THINK OF DOWNLOADING THIS APP. customer service can't or does not even help you when you are trying to cancel the application.

What’s new

1. Re-Designed Loan Records Page.
2. Optimized the Advertising Experience on the Homepage.
3. Other Technical Optimizations.